Looking for some advice pls. Have 192K remaining on mortgage with 17 years remaining. LTV less than 60%. Currently on a 10yr fixed rate of 4.5% with 2.5 yrs remaining. PSTB quoted me over 13K to break out of this fixed rate. Another factor is I have a lump sum of 50K I wish to potentially pay off the mortgage. With some keen fixed rates about I wanted some advice as to whether I should consider breaking. Playing with a calculator looks like Id break even after the 2.5 years and then have added benefit of reduced overall interest also. All advice welcome.